I just got back from the bank in Bali. I have an account with BPI, a local Balinese bank.

When you get there you fill out a deposit or withdrawl form and set it on the counter. Then you take one of the 20 seats in the waiting area.When the teller gets around to it he does the transaction and calls your name.

You then go back to the counter and get your bankbook.

The local guy ahead of me had withdrawn about 50 million rupiah which is a large stack and just put it in his bag without counting it.

Bank Central Asia is the most modern bank in Ubud. They can do international wire transfers and have atm machines. They use a 5 digit pin.

They have changed their policy last year so foreigners have to have a kitas or specialvisa to have an account there.